3465 Mariners Way, Vero Beach, FL 32963 Property Records

Indian River County property record for 3465 Mariners Way, Vero Beach, FL 32963

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,496 sqft · built 2020
Lot Size	0.639 acres (27,878 sqft)
Owner	Individual Name on File
Last Sale	$1,325,000 (Apr 2023)
Tax Bill	$369 (2025)
Deeds & Mortgages	Apr 2023 Sale & Second Mortgage Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`31-39-10-00001-0000-00012.0`

Property Details

APN / Parcel Number

Primary APN	`31-39-10-00001-0000-00012.0`
Alternative APN	`32395`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,496 sqft Living Area
1st Floor Area	2,068 sqft
Utility Area	140 sqft
Utility Room	Utility Room
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Clay Tile
Lot Area	27,878 sqft (0.639 acres)
Lot Dimensions	222 ft deep x 101 ft wide
Garage Area	744 sqft
Driveway	Driveway
Driveway Area	1,812 sqft

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	480 sqft
Patio Area	554 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	32395
Street Address	3465 MARINERS WAY
City	VERO BEACH
State	FL
Zip	32963-9424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	TURTLE COVE SUBDIVISION LOT 12 PBI 10-86
Legal Range	39
Legal Township	31
Legal Section	10
Legal Subdivision	TURTLE COVE SUB
Legal Lot Number	12
Jurisdiction	INDIAN RIVER FL
Township / Civil Division	VERO BEACH
Census Block Group	3
Census Block	3017
Census Tract	50506

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Jungle Trail listed 2003 · 1 contributing resources · NRIS 03000700

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3465 Mariners Way is owned and occupied by an individual who bought it in April 2023.

Source: Indian River County records, as of March 5, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3465 MARINERS WAY, VERO BEACH, FL 32963-9424
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · Stand-Alone Second Mortgage MARGARET STOWERS PEPONIS
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Aug 1, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2023 · Amount on File
Deed Sale	Apr 20, 2023 · Amount on File
Prior Sale	Aug 1, 2018 · Amount on File
Deed Document Number	3120230019268
Deed Book / Page	3614 / 2173
Record Updated	Jun 8, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Apr 20, 2023
Property Address	3465 MARINERS WAY, VERO BEACH, FL 32963-9424
Document Number	0036142173
Book / Page	3614 / 2173
Map Reference	MB 10 PG 86
Instrument Date	Apr 17, 2023
Instrument	3120230019268
Transaction Type	Transfer
Record Updated	May 8, 2023
Title Company	ALLIANCE TITLE TREASURE COAST, ALLIANCE TTL OF TREASURE COA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8865 100TH CT, VERO BEACH, FL 32967-3371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 MARINERS WAY, VERO BEACH, FL 32963-9424

Mortgage

Document Number	0036142181
Date	Apr 20, 2023
Instrument	3614/2181

Lender

Name	MARGARET STOWERS PEPONIS
Type	Private Party

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIAN RIVER FL
Property Address	3465 MARINERS WAY, VERO BEACH, FL 32963-9424
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 MARINERS WAY, VERO BEACH, FL 32963-9424

Mortgage

Document Number	0035100578
Date	Feb 10, 2022
Book Page	3510/578
Instrument	3120220008528

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 3, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	INDIAN RIVER FL
Recording Date	Aug 1, 2018
Property Address	3465 MARINERS WAY, VERO BEACH, FL 32963-9424
Document Number	0031372015
Book / Page	003137 / 002015
Instrument Date	Jul 20, 2018
Instrument	47563
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3315 MARINERS WAY VERO BEACH FL 329639438, VERO BEACH, FL 32963-9438

Tax Assessment & Valuation

The 2025 property tax bill for 3465 Mariners Way was $369.

Source: Indian River County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Indian River County
Unified School District	Indian River County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$369.00	$680,012	$1,270,627 Land $426,533 Building $844,094
2023	$6,380.00 (+2.92%)	$483,554 (+3.21%)	$931,964 (+14.92%) Land $225,115 Building $706,849
2022	$6,199.00	$468,501	$810,985 Land $225,115 Building $585,870

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3465 Mariners Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 13, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Coastal	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 329 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	434 units insured incl. 105 condo units
Nearby Flood Claims	8 (2004–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3465 Mariners Way is moderate, ranking above 51% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	INDIAN RIVER COUNTY UTILITIES (2 WTPS) serves 126,893 people · EPA ID FL3314052
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	14 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Hotwire Communications.

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